The technology being used in these cars is new; hence the cost attached is high. We have to think long term such as cost of replacement engines and batteries and how this affects the insurance premium. The more widespread they become the cheaper the insurance is and other costs related to it will go down as well. Therefore one of the ways you can save money in the long run is to hold on to your hybrid/electric vehicle.
One of the great selling points is hybrid or electric vehicles are very fuel efficient. It will not only give more miles per gallon but will also be lighter on your pocket. There are benefits in owning a hybrid or electric car as some governments give subsidies on these vehicles. For example, in London the cost of driving is very high but if you have a green vehicle you are exempted from congestion charges which make driving in London considerably cheaper.
Electrical/Hybrid cars excel on short journeys. The fuel costs are low and the battery lasts longer. The main drawback of electric cars in the UK is that the charging points are not easy to find, thus making it difficult to travel long distance. As of now there are 2 sides to the coin regarding which one is better, regular or electric car. Having said that if the infrastructure for charging is improved and electric cars become cheaper, then it will be an unwise decision to go for a regular car.